Oakminster Financial Planning
Flagship consultation

Comprehensive Financial Planning Review

A structured advice engagement that maps income, pensions, protection, tax wrappers, and goals into a written plan you can act on.

Desk with financial documents, calculator, and reading glasses
Who it is forHouseholds and professionals ready to organise pensions, savings, and protection under UK rules
TimelineTypically 4–6 weeks from discovery to written recommendations
How we meetIn-person at our Wales office or by scheduled video call
Fee basisFrom £1,450 (fixed quote after discovery)

What this engagement delivers

You leave with a written financial plan that sets priorities for the next three to five years: pension contributions and consolidation options, ISA and general investment account use, emergency cash levels, and any protection gaps that would leave dependants exposed. Recommendations reference current UK tax allowances and product wrappers rather than generic “wealth” slogans.

Included

  • Discovery meeting and fact-find covering income, expenditure, assets, liabilities, and dependants
  • Review of existing pensions, ISAs, and protection policies you disclose
  • Cashflow illustration for retirement or a named near-term goal
  • Written recommendations and a follow-up call to walk through next steps

Not included

  • Discretionary investment management or ongoing portfolio dealing
  • Court representation, conveyancing, or accountant filing for Companies House
  • Guaranteed investment returns or product performance promises

How the work unfolds

We begin with a discovery call to confirm whether a full review is the right fit. After you return the fact-find and document pack, we analyse your position and prepare draft recommendations. A second meeting tests those proposals against your risk appetite and family constraints. You then receive the final plan and may instruct us separately on implementation if you wish.

Preparation

Bring recent pension statements, ISA valuations, mortgage or loan balances, and a note of any known inheritance or business-sale timelines. If a spouse or business partner will decide with you, they should attend the recommendation meeting.

Next step

Request a discovery appointment. We confirm a fixed fee in writing before any chargeable advice work begins.

Request a discovery appointment

Tell us briefly about your pensions, household situation, and the decision you need to make. We reply within two working days.

Enquire about this review